BlastPoint's Banking Scorecard
Climate First Bank
Designations: ✓ Community bank
Saint Petersburg, FL
3 branches across FL
Climate First Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45.5% in tier
- + Nonperforming Asset Ratio 0.65% below tier average
- + Efficiency Ratio 10.12% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.3% in tier
- - Non-Interest-Bearing Deposit Share 13.39% below tier average
- - ROA 0.10% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+69.8% YoY
+7.8% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$1.5B
+75.3% YoY
+8.9% QoQ
|
-$449.5M |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$1.5B
+74.7% YoY
+12.1% QoQ
|
-$821.6M |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
1.27%
+170.7% YoY
+34.9% QoQ
|
-0.10% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
3.83%
+18.9% YoY
+4.8% QoQ
|
+0.01% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
50.94%
-22.9% YoY
-3.5% QoQ
|
-10.12% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
76% |
| Delinquency Rate ? | 0.03% | -0.86% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Top 4.9% in tier |
| Loan-to-Deposit Ratio ? |
99.58%
+0.3% YoY
-2.8% QoQ
|
+15.38% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.90%
-2.9% YoY
+6.4% QoQ
|
-13.39% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.7% in tier |
| Nonperforming Asset Ratio ? | 0.02% | -0.65% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Top 5.3% in tier |
| Tier 1 Capital Ratio ? |
9.95%
+1.1% YoY
+6.2% QoQ
|
-5.21% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.3% in tier |
| Non-Interest Income / Assets ? |
0.07%
+21.9% YoY
-76.3% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
20% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.